How much general liability insurance does my Georgia business need?

Most Georgia commercial contracts, venue agreements, and certificate requests require $1M per occurrence, $2M aggregate general liability. Construction contracts and government work often require $2M per occurrence. Professional services firms frequently face contract requirements of $1M-$2M per occurrence for E&O and GL combined. If you carry only $500,000 GL and your contract requires $1M, you have both a coverage gap and a contractual breach. We review contract requirements before recommending limits and flag any gap between what your contract requires and what your current policy provides.